Fintech startups in Bengaluru

Nithin Kamath & Nikhil Kamath

Founded 2010; disrupted Indian stockbroking with flat-fee discount trading and the Kite platform — built bootstrapped and profitably with no VC. Its anti-VC ethos became a cultural template.

Kunal Shah

Founded 2018 by Kunal Shah (earlier Freecharge); began as a rewards app for creditworthy card-holders, expanded into a broad financial-services platform. Known for slick design and lavish marketing.

Lalit Keshre, Harsh Jain, Neeraj Singh, Ishan Bansal

Founded 2016 by four ex-Flipkart product leaders; made mutual-fund and stock investing simple for first-time retail investors. Unicorn 2021, high-profile 2025 IPO.

Jitendra Gupta

A neobanking app (2019) by Jitendra Gupta (earlier Citrus Pay/PayU), offering slick consumer banking on top of partner banks. Part of the PayU/Citrus fintech alumni wave.

Vimal Kumar, Sheetal Lalwani, Ramanathan RV

Founded 2012; payments-orchestration and checkout infrastructure powering a huge share of India's online transactions, and a developer of the UPI HyperSDK. Hit unicorn status (~$1.2B) in Jan 2026.

Sachin Bansal & Ankit Agarwal

After exiting Flipkart, Sachin Bansal co-founded Navi (2018) as a digital-first lending, insurance and mutual-funds group built largely in-house. An ambitious second act.

Anish Achuthan, Mabel Chacko, Ajeesh Achuthan, Deena Jacob

Founded 2017; a neobanking platform for SMEs bundling banking, payments and accounting. Became a unicorn in 2022, rare among SME-focused fintechs.

Sameer Nigam, Rahul Chari, Burzin Engineer

Founded 2015 by ex-Flipkart leaders; rode the UPI wave to become India's largest payments app by volume. Separated from Flipkart ahead of a planned IPO.

Harshil Mathur & Shashank Kumar

Founded 2014 by two IIT-Roorkee grads; the payments and financial-infrastructure rails for India's online businesses. Unicorn 2020, one of the country's most valuable fintechs.

Nityanand Sharma & Chaitra Chidanand

Founded 2015; a buy-now-pay-later checkout product for Indian e-commerce, consolidating purchases into one bill.

Rajan Bajaj

Founded 2016; a card-plus-credit product for young, first-time credit users, later merged with North East Small Finance Bank to become a regulated bank-led fintech.

Ashish Singhal, Govind Soni & Vimal Sagar Tiwari

Founded 2017 (India ops June 2020) by ex-Microsoft/Amazon/Zynga engineers. Grew into one of India's largest crypto investment apps with 20M+ users. Became India's 30th unicorn in Oct 2021 with a $260M Series...

Pravin Jadhav, Jay Prakash Gupta, Alok Pandey

Founded 2021. Trading/investing platform for active traders (ScanX, Upsurge, AI insights via Fuzz). Became a unicorn in 2025.

Madhusudan Ekambaram, Vivek Veda, Karthikeyan Krishnaswamy

Founded in 2017, KreditBee is a digital lending platform offering personal loans to young professionals and the new-to-credit segment. It raised $280M in 2026 at a $1.5B valuation, formally entering the unic...

Puneet Agarwal, Sanjay Aggarwal

Founded in 2014, moneyview is a digital lending and personal-finance app offering instant personal loans, credit lines and money management to underserved borrowers. It crossed into the unicorn club in Septe...

V.R. Govindarajan, Debasish Chakraborty

Founded in 2008, Perfios is a B2B financial-data, analytics and credit-decisioning company that powers bank-statement analysis, underwriting and KYC for banks, NBFCs and lenders. It turned unicorn in 2024 af...

Bhavin Turakhia, Ramki Gaddipati

Founded in 2015, Zeta is a banking-tech platform whose cloud-native APIs and SDKs let banks and fintechs issue credit/debit cards, run core banking, and launch BNPL and loan products. It became a unicorn in ...

Sujith Narayanan, Sumit Gwalani

Founded in 2019 by two ex-Google Pay executives, Fi is a neobanking app offering a zero-balance savings account (with Federal Bank), money management, investing and credit. It has raised ~$169M from Ribbit C...

Ravish Naresh, Jaideep Poonia, Dhanesh Kumar, Ashish Sonone

Founded in 2018 by IIT Bombay alumni, Khatabook is a digital-ledger and SMB-finance app helping small merchants record credit, collect payments and manage books. It raised a ~$100M Series C in 2021 (Tribe Ca...

(see note)

Placeholder note: Slice (Bengaluru, Rajan Bajaj) is a card/credit fintech that merged with North East Small Finance Bank — included for completeness as a BLR fintech soonicorn.

Vasanth Kamath, Rohan Gupta, Anugrah Shrivastava

Founded in 2015, smallcase lets retail investors buy curated, theme-based baskets of stocks and ETFs, and provides a B2B investing infrastructure layer to brokers and asset managers. It raised a $50M Series ...

Gaurav Hinduja, Sashank Rishyasringa

Founded in 2013 as Capital Float, axio is a digital lender and BNPL pioneer that partnered with Amazon and large e-commerce players for point-of-sale credit. It raised ~$135M from Peak XV, Ribbit and Elevati...

Akash Sinha, Reeju Datta

Founded in 2015, Cashfree Payments is a payments and API-banking company offering payment gateway, bulk payouts, instant refunds, KYC and cross-border solutions. A Y Combinator alum, it has raised ~$90M+ fro...

Rohit Taneja & Pratik Daudkhane

Founded 2020 (YC-backed). 'Plaid for India/APAC' — API banking platform for instant account creation, KYC, payments, collections and lending integrations. Raised a ₹30 Cr Series B to scale API banking.

Sambhav Jain, Kush Taneja

Founded in 2019 by two IIT Roorkee alumni, FamPay (now FamApp) is building India's first neobank for teenagers, offering a numberless prepaid card and UPI app aimed at young users. It raised a $38M Series A ...

Rajat Deshpande, Anand Prabhudesai, Srijan Nagar, Nikhil Bhawsinka

Founded in 2017, FinBox is an embedded-lending and credit-infrastructure platform providing an 'operating system for digital lending' — credit decisioning, bank-statement and alternative-data analytics, and ...

Alok Mittal, Siddharth Mahanot

Founded in 2015, Indifi is an MSME lending platform and aggregator that connects small businesses (restaurants, travel agents, e-commerce sellers) to multiple banks and NBFCs through a single digital applica...

Gaurav Rastogi, Neelabh Sanyal, Mayank Sharma

Founded in 2016, Kuvera is a direct (commission-free) mutual-fund and goal-based investing platform with robo-advisory, tax planning and FD products. It was acquired by fintech unicorn CRED in 2023, marking ...

Bala Parthasarathy, Kunal Varma, Anuj Kacker

Founded in 2015, MoneyTap (now part of the Freo neobank brand) pioneered the app-based personal credit line in India, in partnership with banks like RBL. It has raised ~$90M+ from Sequoia (Peak XV), Prime Ve...

Vinay Bagri, Virender Bisht

Founded in 2015, Niyo is a digital-banking (neobank) platform offering zero-forex travel cards, salary accounts and wealth products in partnership with banks. It raised a $100M Series C in 2021 from Accel, L...

Harsh Pokharna, Gaurav Kunwar, Aditya Prasad

Founded in 2017, OkCredit is a digital ledger ('bahi khata') app that lets small merchants track credit and customer balances, and has expanded toward merchant payments and lending. It raised ~$85M from Tige...

Pallavi Shrivastava, Himanshu Chandra

Founded in 2017, Progcap provides specialized supply-chain and working-capital financing plus technology products to underserved small and medium retailers in India's distribution economy. It has raised ~$80...

Anubhav Jain, Ankit Singh, Jawaid Iqbal

Founded in 2020, Rupifi is a B2B fintech offering embedded working-capital, BNPL and a B2B payments card to SMBs across digital commerce marketplaces. It has raised ~$36M from Bessemer, Tiger Global and Quon...

Anil Goteti

Founded 2022 (ex-Flipkart). Travel-fintech: co-branded travel credit card and rewards app for younger travelers. Raised $40M Series B (2024) led by Peak XV.

Sahil Kini & Nikhil Kumar

Founded 2018. API-infrastructure fintech — embeddable APIs for payments, account aggregation/data, KYC, BBPS and lending. Acquired by Pine Labs in 2022; widely used in India's fintech stack.

Ankit Ratan, Ankur Pandey, Arpit Ratan

Founded 2015. Fintech infrastructure SaaS — KYC/KYB/AML APIs, digital onboarding and identity verification used by 600+ financial institutions (HDFC, ICICI, Axis, Yes Bank). Raised ~$39M from Kalaari, SAP an...